... I avoid automated fund transfers to make payments. No matter how much businesses beg. If there's a human in the loop, there's always the opportunity to look at an error like this and say "WTF?"
When the Y2K issues rolled around, a number of people asked me (based on my previous utility experience) whether the lights would stay on. My reply was: "The power company made it through the Year 1900 and not much has changed since then. Sure, you might get a bill for 100 years of consumption. But humans look at this stuff and nobody is going to hold you to that or cut your power."
Unfortunately, humans are increasingly out of the loop.